East Mountain at a glance
- Population: roughly 956 people; 813th of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 902 residents here (US Census Bureau).
- 2020 to 2023 change: about 6.0% growth over the 2020 Census base (US Census Bureau).
- Rank among Texas places: the 813th-largest of 1,224 (US Census Bureau, 2023 estimate).
- Size percentile: about 34% of places in Texas are smaller (US Census Bureau).
- Coordinates: 32.5858 / -94.8580, per the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: White Oak, TX (4 mi); Gladewater, TX (6 mi); Longview, TX (7 mi); Gilmer, TX (11 mi); Kilgore, TX (13 mi) (US Census Bureau).
- Nearest smaller towns: Union Grove, TX (3 mi); Warren City, TX (4 mi); Clarksville City, TX (4 mi) — US Census Bureau populations.
What a personal loan costs in East Mountain
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Texas lending rules that apply in East Mountain
The table lists the Texas rules that apply to a loan made in East Mountain, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| Small-loan / installment lender licensing | License required for non-depository lenders charging more than 10% interest; Chapter 342 governs consumer loans (Tex. Fin. Code § 342.051) Source says: Non-depository lenders who engage in making, transacting, or collecting loans with a rate of interest greater than 10% must be licensed by the OCCC. | Texas Office of Consumer Credit Commissioner (OCCC) as of 2026-09-16 |
| State lending regulator | Texas Office of Consumer Credit Commissioner (OCCC) Source says: The OCCC licenses and regulates non-depository lenders in the state of Texas. | Texas Office of Consumer Credit Commissioner (OCCC) as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 10% per year maximum; a greater rate is usurious unless otherwise provided by law (Tex. Fin. Code § 302.001) Source says: The maximum rate or amount of interest is 10 percent a year except as otherwise provided by law. | Texas Legislature (Texas Constitution and Statutes) as of 2026-09-16 |
| Payday lending status | Legal via licensed credit access businesses (payday/title-loan brokers); the third-party lender itself is not licensed (Tex. Fin. Code ch. 393) Source says: the credit access business that serves as the broker is the licensee in this regulated industry | Texas Office of Consumer Credit Commissioner (OCCC) as of 2026-09-16 |
How to compare offers in East Mountain
The steps below are worth completing first when you borrow in East Mountain:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Texas using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.